Home > Mid America Bank & Trust Company > Performance and Condition Ratios
Mid America Bank & Trust Company, Performance and Condition Ratios
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5798% | 5,662 |
| Cost of funding earning assets | 0.0588% | 5,596 |
| Net interest margin | 0.5210% | 5,660 |
| Noninterest income to average assets | 0.9190% | 1,219 |
| Noninterest expense to average assets | 0.6468% | 5,642 |
| Loan and lease loss provision to assets | 0.0779% | 2,641 |
| Net operating income to assets | 0.3035% | 4,921 |
| Return on assets (ROA) | 0.3035% | 4,937 |
| Pretax return on assets | 0.6615% | 4,602 |
| Return on Equity (ROE) | 1.3845% | 5,171 |
| Retained earnings to average equity (ytd only) | 1.3845% | 4,454 |
| Net charge-offs to loans | 0.1209% | 1,838 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 9.4961% | 2,777 |
| Efficiency ratio | 46.6608% | 5,373 |
| Assets per employee ($millions) | 3.5155% | 4,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,620 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 1.4446% | 970 |
| Noncurrent loans to loans | 0.6640% | 2,556 |
| Net loans and leases to total assets | 55.8604% | 4,203 |
| Net loans and leases to deposits | 75.0661% | 3,424 |
| Net loans and leases to core deposits | 75.6862% | 3,761 |
| Total domestic deposits to total assets | 74.4149% | 5,146 |
| Equity capital to assets | 24.6124% | 107 |
| Core capital (leverage) ratio | 17.7286% | 318 |
| Tier 1 risk-based capital ratio | 26.6704% | 610 |
| Total risk-based capital ratio | 26.6704% | 686 |
| Memoranda: | ||
| Average total assets | $163,116,000 | 3,310 |
| Average earning assets | $146,253,400 | 3,368 |
| Average equity | $35,752,600 | 2,041 |
| Average total loans | $105,071,600 | 3,263 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0527% | 3,166 |
| Cost of funding earning assets | 0.4558% | 2,656 |
| Net interest margin | 3.5969% | 3,165 |
| Noninterest income to average assets | 7.0440% | 81 |
| Noninterest expense to average assets | 5.6551% | 172 |
| Loan and lease loss provision to assets | 0.4400% | 297 |
| Net operating income to assets | 2.9445% | 83 |
| Return on assets (ROA) | 2.9445% | 82 |
| Pretax return on assets | 4.2361% | 67 |
| Return on Equity (ROE) | 13.9157% | 852 |
| Retained earnings to average equity (ytd only) | 11.6103% | 330 |
| Net charge-offs to loans | 0.6961% | 273 |
| Credit loss provision to net charge-offs | 94.5946% | 2,393 |
| Earnings coverage of net charge-offs (x) | 10.0523% | 2,636 |
| Efficiency ratio | 54.7380% | 4,877 |
| Assets per employee ($millions) | 3.3226% | 4,950 |
| Cash dividends to net income (ytd only)* | 16.5670% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9950% | 4,093 |
| Loan loss allowance to noncurrent loans | 29.4584% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 2.5890% | 399 |
| Noncurrent loans to loans | 3.3777% | 331 |
| Net loans and leases to total assets | 64.5051% | 3,325 |
| Net loans and leases to deposits | 83.5511% | 2,606 |
| Net loans and leases to core deposits | 84.6534% | 3,076 |
| Total domestic deposits to total assets | 77.2043% | 4,849 |
| Equity capital to assets | 21.0085% | 187 |
| Core capital (leverage) ratio | 20.4915% | 195 |
| Tier 1 risk-based capital ratio | 28.0705% | 562 |
| Total risk-based capital ratio | 29.0121% | 568 |
| Memoranda: | ||
| Average total assets | $159,073,000 | 3,388 |
| Average earning assets | $145,380,500 | 3,405 |
| Average equity | $33,659,000 | 2,161 |
| Average total loans | $106,301,750 | 3,268 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1661% | 2,603 |
| Cost of funding earning assets | 0.4632% | 2,472 |
| Net interest margin | 3.7029% | 2,650 |
| Noninterest income to average assets | 6.8197% | 89 |
| Noninterest expense to average assets | 4.0696% | 489 |
| Loan and lease loss provision to assets | 0.3190% | 469 |
| Net operating income to assets | 4.0888% | 54 |
| Return on assets (ROA) | 4.0888% | 54 |
| Pretax return on assets | 5.8078% | 43 |
| Return on Equity (ROE) | 19.2751% | 254 |
| Retained earnings to average equity (ytd only) | 15.7738% | 109 |
| Net charge-offs to loans | 0.2461% | 832 |
| Credit loss provision to net charge-offs | 192.3077% | 1,309 |
| Earnings coverage of net charge-offs (x) | 36.9308% | 1,313 |
| Efficiency ratio | 39.9124% | 5,631 |
| Assets per employee ($millions) | 2.9341% | 5,328 |
| Cash dividends to net income (ytd only)* | 18.1648% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1463% | 3,336 |
| Loan loss allowance to noncurrent loans | 28.9728% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 3.0775% | 289 |
| Noncurrent loans to loans | 3.9563% | 248 |
| Net loans and leases to total assets | 66.7872% | 2,991 |
| Net loans and leases to deposits | 86.2868% | 2,181 |
| Net loans and leases to core deposits | 87.4759% | 2,748 |
| Total domestic deposits to total assets | 77.4014% | 4,901 |
| Equity capital to assets | 21.8355% | 151 |
| Core capital (leverage) ratio | 21.1380% | 162 |
| Tier 1 risk-based capital ratio | 28.1740% | 541 |
| Total risk-based capital ratio | 29.2599% | 538 |
| Memoranda: | ||
| Average total assets | $156,721,330 | 3,434 |
| Average earning assets | $142,914,000 | 3,451 |
| Average equity | $33,245,000 | 2,175 |
| Average total loans | $105,656,330 | 3,286 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8438% | 3,605 |
| Cost of funding earning assets | 0.4670% | 2,369 |
| Net interest margin | 3.3768% | 3,728 |
| Noninterest income to average assets | 6.5827% | 91 |
| Noninterest expense to average assets | 3.8880% | 607 |
| Loan and lease loss provision to assets | 0.1283% | 1,501 |
| Net operating income to assets | 4.2242% | 51 |
| Return on assets (ROA) | 4.2242% | 50 |
| Pretax return on assets | 5.6280% | 47 |
| Return on Equity (ROE) | 20.2152% | 223 |
| Retained earnings to average equity (ytd only) | 19.6012% | 113 |
| Net charge-offs to loans | 0.3468% | 528 |
| Credit loss provision to net charge-offs | 54.9451% | 1,946 |
| Earnings coverage of net charge-offs (x) | 24.6484% | 1,349 |
| Efficiency ratio | 40.3140% | 5,691 |
| Assets per employee ($millions) | 3.0804% | 5,291 |
| Cash dividends to net income (ytd only)* | 3.0377% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0130% | 4,202 |
| Loan loss allowance to noncurrent loans | 25.1534% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 2.6977% | 397 |
| Noncurrent loans to loans | 4.0273% | 253 |
| Net loans and leases to total assets | 66.3066% | 2,929 |
| Net loans and leases to deposits | 85.6573% | 2,068 |
| Net loans and leases to core deposits | 86.8471% | 2,650 |
| Total domestic deposits to total assets | 77.4091% | 5,053 |
| Equity capital to assets | 21.2758% | 160 |
| Core capital (leverage) ratio | 20.2017% | 194 |
| Tier 1 risk-based capital ratio | 28.0856% | 556 |
| Total risk-based capital ratio | 29.0583% | 560 |
| Memoranda: | ||
| Average total assets | $155,862,500 | 3,477 |
| Average earning assets | $141,318,000 | 3,506 |
| Average equity | $32,569,500 | 2,213 |
| Average total loans | $104,962,500 | 3,322 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1339% | 2,721 |
| Cost of funding earning assets | 0.5218% | 1,929 |
| Net interest margin | 3.6121% | 3,031 |
| Noninterest income to average assets | 6.5260% | 91 |
| Noninterest expense to average assets | 3.8261% | 761 |
| Loan and lease loss provision to assets | 0.0655% | 3,057 |
| Net operating income to assets | 3.7468% | 56 |
| Return on assets (ROA) | 3.7468% | 57 |
| Pretax return on assets | 5.8591% | 40 |
| Return on Equity (ROE) | 19.2615% | 252 |
| Retained earnings to average equity (ytd only) | 14.8090% | 111 |
| Net charge-offs to loans | 0.0998% | 2,282 |
| Credit loss provision to net charge-offs | 101.0101% | 2,539 |
| Earnings coverage of net charge-offs (x) | 91.3434% | 650 |
| Efficiency ratio | 39.2394% | 5,792 |
| Assets per employee ($millions) | 2.8114% | 5,480 |
| Cash dividends to net income (ytd only)* | 23.1159% | 3,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0574% | 3,964 |
| Loan loss allowance to noncurrent loans | 24.4695% | 5,175 |
| Noncurrent assets plus other real estate owned to assets | 2.9510% | 349 |
| Noncurrent loans to loans | 4.3212% | 223 |
| Net loans and leases to total assets | 66.9907% | 2,932 |
| Net loans and leases to deposits | 85.1311% | 2,293 |
| Net loans and leases to core deposits | 86.5972% | 2,803 |
| Total domestic deposits to total assets | 78.6912% | 4,868 |
| Equity capital to assets | 20.5108% | 192 |
| Core capital (leverage) ratio | 19.4957% | 205 |
| Tier 1 risk-based capital ratio | 26.8228% | 632 |
| Total risk-based capital ratio | 27.8393% | 634 |
| Memoranda: | ||
| Average total assets | $152,635,000 | 3,475 |
| Average earning assets | $136,264,800 | 3,552 |
| Average equity | $29,691,400 | 2,375 |
| Average total loans | $99,181,400 | 3,402 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1661% | 2,622 |
| Cost of funding earning assets | 0.5267% | 1,896 |
| Net interest margin | 3.6394% | 2,928 |
| Noninterest income to average assets | 6.3345% | 95 |
| Noninterest expense to average assets | 3.7404% | 801 |
| Loan and lease loss provision to assets | 0.0876% | 2,475 |
| Net operating income to assets | 3.6738% | 58 |
| Return on assets (ROA) | 3.6738% | 59 |
| Pretax return on assets | 5.7526% | 42 |
| Return on Equity (ROE) | 19.1506% | 284 |
| Retained earnings to average equity (ytd only) | 14.8335% | 138 |
| Net charge-offs to loans | 0.1172% | 1,780 |
| Credit loss provision to net charge-offs | 116.2791% | 2,143 |
| Earnings coverage of net charge-offs (x) | 77.4909% | 804 |
| Efficiency ratio | 39.0413% | 5,847 |
| Assets per employee ($millions) | 2.8408% | 5,515 |
| Cash dividends to net income (ytd only)* | 22.5430% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1265% | 3,691 |
| Loan loss allowance to noncurrent loans | 37.3169% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 2.0912% | 727 |
| Noncurrent loans to loans | 3.0189% | 492 |
| Net loans and leases to total assets | 64.1363% | 3,383 |
| Net loans and leases to deposits | 81.1372% | 2,836 |
| Net loans and leases to core deposits | 82.5387% | 3,244 |
| Total domestic deposits to total assets | 79.0467% | 4,712 |
| Equity capital to assets | 20.1834% | 223 |
| Core capital (leverage) ratio | 18.7500% | 242 |
| Tier 1 risk-based capital ratio | 26.7930% | 654 |
| Total risk-based capital ratio | 27.8628% | 655 |
| Memoranda: | ||
| Average total assets | $152,137,250 | 3,499 |
| Average earning assets | $135,695,500 | 3,574 |
| Average equity | $29,185,500 | 2,439 |
| Average total loans | $97,803,750 | 3,434 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2186% | 2,453 |
| Cost of funding earning assets | 0.5321% | 1,855 |
| Net interest margin | 3.6865% | 2,746 |
| Noninterest income to average assets | 6.2459% | 97 |
| Noninterest expense to average assets | 3.7649% | 810 |
| Loan and lease loss provision to assets | 0.1318% | 1,737 |
| Net operating income to assets | 3.5698% | 64 |
| Return on assets (ROA) | 3.5698% | 64 |
| Pretax return on assets | 5.6276% | 44 |
| Return on Equity (ROE) | 18.9415% | 303 |
| Retained earnings to average equity (ytd only) | 13.7305% | 201 |
| Net charge-offs to loans | 0.0041% | 3,563 |
| Credit loss provision to net charge-offs | 5,000.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 2,184.5000% | 20 |
| Efficiency ratio | 39.5294% | 5,915 |
| Assets per employee ($millions) | 2.9719% | 5,459 |
| Cash dividends to net income (ytd only)* | 27.5111% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2359% | 3,155 |
| Loan loss allowance to noncurrent loans | 36.2214% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 2.1625% | 724 |
| Noncurrent loans to loans | 3.4121% | 389 |
| Net loans and leases to total assets | 62.2573% | 3,596 |
| Net loans and leases to deposits | 77.9135% | 3,168 |
| Net loans and leases to core deposits | 78.7676% | 3,576 |
| Total domestic deposits to total assets | 79.9057% | 4,572 |
| Equity capital to assets | 19.2674% | 244 |
| Core capital (leverage) ratio | 17.8918% | 303 |
| Tier 1 risk-based capital ratio | 25.8956% | 731 |
| Total risk-based capital ratio | 27.0582% | 719 |
| Memoranda: | ||
| Average total assets | $151,715,330 | 3,535 |
| Average earning assets | $134,925,670 | 3,612 |
| Average equity | $28,593,330 | 2,491 |
| Average total loans | $97,235,670 | 3,455 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3574% | 1,941 |
| Cost of funding earning assets | 0.5432% | 1,768 |
| Net interest margin | 3.8142% | 2,238 |
| Noninterest income to average assets | 6.1849% | 94 |
| Noninterest expense to average assets | 3.8110% | 763 |
| Loan and lease loss provision to assets | 0.1331% | 1,586 |
| Net operating income to assets | 3.5821% | 64 |
| Return on assets (ROA) | 3.5821% | 62 |
| Pretax return on assets | 5.6233% | 43 |
| Return on Equity (ROE) | 19.2272% | 277 |
| Retained earnings to average equity (ytd only) | 12.3705% | 451 |
| Net charge-offs to loans | 0.0288% | 2,366 |
| Credit loss provision to net charge-offs | 714.2857% | 478 |
| Earnings coverage of net charge-offs (x) | 309.0000% | 193 |
| Efficiency ratio | 39.8331% | 5,968 |
| Assets per employee ($millions) | 2.9613% | 5,539 |
| Cash dividends to net income (ytd only)* | 35.6612% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1784% | 3,616 |
| Loan loss allowance to noncurrent loans | 39.0020% | 5,104 |
| Noncurrent assets plus other real estate owned to assets | 1.9626% | 894 |
| Noncurrent loans to loans | 3.0213% | 533 |
| Net loans and leases to total assets | 63.8033% | 3,268 |
| Net loans and leases to deposits | 79.2126% | 2,885 |
| Net loans and leases to core deposits | 80.0936% | 3,307 |
| Total domestic deposits to total assets | 80.5469% | 4,621 |
| Equity capital to assets | 18.8565% | 268 |
| Core capital (leverage) ratio | 17.4608% | 335 |
| Tier 1 risk-based capital ratio | 25.1118% | 800 |
| Total risk-based capital ratio | 26.2336% | 798 |
| Memoranda: | ||
| Average total assets | $150,302,500 | 3,578 |
| Average earning assets | $133,291,000 | 3,663 |
| Average equity | $28,002,000 | 2,531 |
| Average total loans | $97,145,000 | 3,467 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4256% | 1,816 |
| Cost of funding earning assets | 0.5593% | 1,681 |
| Net interest margin | 3.8663% | 2,142 |
| Noninterest income to average assets | 5.8078% | 113 |
| Noninterest expense to average assets | 3.8995% | 761 |
| Loan and lease loss provision to assets | 0.1020% | 2,281 |
| Net operating income to assets | 3.4042% | 72 |
| Return on assets (ROA) | 3.4704% | 70 |
| Pretax return on assets | 5.4358% | 47 |
| Return on Equity (ROE) | 20.1861% | 246 |
| Retained earnings to average equity (ytd only) | 17.1520% | 89 |
| Net charge-offs to loans | 0.0877% | 2,570 |
| Credit loss provision to net charge-offs | 176.4706% | 1,537 |
| Earnings coverage of net charge-offs (x) | 94.0118% | 612 |
| Efficiency ratio | 41.7778% | 6,030 |
| Assets per employee ($millions) | 2.9329% | 5,583 |
| Cash dividends to net income (ytd only)* | 15.0304% | 3,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1428% | 3,796 |
| Loan loss allowance to noncurrent loans | 39.6700% | 5,117 |
| Noncurrent assets plus other real estate owned to assets | 1.8679% | 989 |
| Noncurrent loans to loans | 2.8807% | 580 |
| Net loans and leases to total assets | 63.9631% | 3,286 |
| Net loans and leases to deposits | 78.8502% | 2,955 |
| Net loans and leases to core deposits | 79.8971% | 3,358 |
| Total domestic deposits to total assets | 81.1198% | 4,445 |
| Equity capital to assets | 18.4022% | 287 |
| Core capital (leverage) ratio | 17.1556% | 346 |
| Tier 1 risk-based capital ratio | 24.5720% | 855 |
| Total risk-based capital ratio | 25.6656% | 854 |
| Memoranda: | ||
| Average total assets | $147,044,000 | 3,614 |
| Average earning assets | $134,106,800 | 3,623 |
| Average equity | $25,279,800 | 2,668 |
| Average total loans | $96,944,800 | 3,436 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4488% | 1,761 |
| Cost of funding earning assets | 0.5585% | 1,731 |
| Net interest margin | 3.8903% | 2,065 |
| Noninterest income to average assets | 5.6543% | 115 |
| Noninterest expense to average assets | 3.7492% | 908 |
| Loan and lease loss provision to assets | 0.1366% | 1,639 |
| Net operating income to assets | 3.3722% | 69 |
| Return on assets (ROA) | 3.3722% | 70 |
| Pretax return on assets | 5.3337% | 51 |
| Return on Equity (ROE) | 19.9739% | 271 |
| Retained earnings to average equity (ytd only) | 17.2770% | 97 |
| Net charge-offs to loans | -0.0193% | 5,196 |
| Credit loss provision to net charge-offs | -1,071.4286% | 5,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6657% | 6,113 |
| Assets per employee ($millions) | 2.9578% | 5,593 |
| Cash dividends to net income (ytd only)* | 13.5026% | 3,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2347% | 3,459 |
| Loan loss allowance to noncurrent loans | 86.4419% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 1.0819% | 2,194 |
| Noncurrent loans to loans | 1.4284% | 1,766 |
| Net loans and leases to total assets | 65.1732% | 3,131 |
| Net loans and leases to deposits | 80.4537% | 2,824 |
| Net loans and leases to core deposits | 81.5338% | 3,303 |
| Total domestic deposits to total assets | 81.0071% | 4,470 |
| Equity capital to assets | 17.8441% | 351 |
| Core capital (leverage) ratio | 16.6325% | 412 |
| Tier 1 risk-based capital ratio | 23.2711% | 1,023 |
| Total risk-based capital ratio | 24.4519% | 1,015 |
| Memoranda: | ||
| Average total assets | $146,410,000 | 3,653 |
| Average earning assets | $134,175,750 | 3,661 |
| Average equity | $24,718,250 | 2,736 |
| Average total loans | $96,985,500 | 3,471 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4797% | 1,597 |
| Cost of funding earning assets | 0.5600% | 1,737 |
| Net interest margin | 3.9198% | 1,911 |
| Noninterest income to average assets | 5.7060% | 117 |
| Noninterest expense to average assets | 3.7885% | 881 |
| Loan and lease loss provision to assets | 0.2056% | 952 |
| Net operating income to assets | 3.3019% | 80 |
| Return on assets (ROA) | 3.3019% | 83 |
| Pretax return on assets | 5.3003% | 55 |
| Return on Equity (ROE) | 19.9412% | 269 |
| Retained earnings to average equity (ytd only) | 15.8023% | 158 |
| Net charge-offs to loans | 0.0083% | 3,611 |
| Credit loss provision to net charge-offs | 3,750.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 1,004.2500% | 57 |
| Efficiency ratio | 40.7609% | 6,188 |
| Assets per employee ($millions) | 2.8664% | 5,745 |
| Cash dividends to net income (ytd only)* | 20.7555% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2249% | 3,642 |
| Loan loss allowance to noncurrent loans | 113.8063% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 1.0767% | 2,361 |
| Noncurrent loans to loans | 1.0763% | 2,492 |
| Net loans and leases to total assets | 65.4746% | 3,050 |
| Net loans and leases to deposits | 79.3501% | 2,867 |
| Net loans and leases to core deposits | 80.2381% | 3,367 |
| Total domestic deposits to total assets | 82.5136% | 4,122 |
| Equity capital to assets | 16.9973% | 420 |
| Core capital (leverage) ratio | 15.7654% | 503 |
| Tier 1 risk-based capital ratio | 21.9982% | 1,211 |
| Total risk-based capital ratio | 23.1607% | 1,203 |
| Memoranda: | ||
| Average total assets | $145,916,000 | 3,694 |
| Average earning assets | $133,579,670 | 3,702 |
| Average equity | $24,161,000 | 2,792 |
| Average total loans | $96,783,670 | 3,493 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5174% | 1,414 |
| Cost of funding earning assets | 0.5497% | 1,849 |
| Net interest margin | 3.9676% | 1,663 |
| Noninterest income to average assets | 5.3560% | 119 |
| Noninterest expense to average assets | 3.5533% | 1,205 |
| Loan and lease loss provision to assets | 0.2058% | 879 |
| Net operating income to assets | 3.2131% | 82 |
| Return on assets (ROA) | 3.2131% | 85 |
| Pretax return on assets | 5.2408% | 56 |
| Return on Equity (ROE) | 19.6662% | 279 |
| Retained earnings to average equity (ytd only) | 19.6662% | 105 |
| Net charge-offs to loans | 0.0165% | 2,838 |
| Credit loss provision to net charge-offs | 1,875.0000% | 210 |
| Earnings coverage of net charge-offs (x) | 496.2500% | 110 |
| Efficiency ratio | 39.4817% | 6,277 |
| Assets per employee ($millions) | 2.8155% | 5,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1569% | 4,224 |
| Loan loss allowance to noncurrent loans | 127.9632% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 0.9631% | 2,696 |
| Noncurrent loans to loans | 0.9041% | 2,978 |
| Net loans and leases to total assets | 64.8910% | 2,964 |
| Net loans and leases to deposits | 78.5298% | 2,735 |
| Net loans and leases to core deposits | 79.2392% | 3,260 |
| Total domestic deposits to total assets | 82.6323% | 4,299 |
| Equity capital to assets | 16.7659% | 461 |
| Core capital (leverage) ratio | 15.1960% | 581 |
| Tier 1 risk-based capital ratio | 21.4918% | 1,328 |
| Total risk-based capital ratio | 22.5922% | 1,334 |
| Memoranda: | ||
| Average total assets | $145,780,000 | 3,718 |
| Average earning assets | $133,883,500 | 3,718 |
| Average equity | $23,817,500 | 2,851 |
| Average total loans | $96,724,000 | 3,509 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6803% | 1,356 |
| Cost of funding earning assets | 0.6021% | 1,742 |
| Net interest margin | 4.0782% | 1,654 |
| Noninterest income to average assets | 5.2513% | 118 |
| Noninterest expense to average assets | 3.4590% | 1,579 |
| Loan and lease loss provision to assets | 0.2518% | 900 |
| Net operating income to assets | 3.1986% | 82 |
| Return on assets (ROA) | 3.2238% | 82 |
| Pretax return on assets | 5.3037% | 49 |
| Return on Equity (ROE) | 23.2775% | 143 |
| Retained earnings to average equity (ytd only) | 21.5241% | 55 |
| Net charge-offs to loans | 0.2282% | 1,844 |
| Credit loss provision to net charge-offs | 166.6667% | 1,463 |
| Earnings coverage of net charge-offs (x) | 36.5114% | 1,163 |
| Efficiency ratio | 38.5396% | 6,418 |
| Assets per employee ($millions) | 2.6881% | 6,036 |
| Cash dividends to net income (ytd only)* | 7.5326% | 4,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0695% | 4,698 |
| Loan loss allowance to noncurrent loans | 87.7740% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 1.1898% | 2,391 |
| Noncurrent loans to loans | 1.2185% | 2,413 |
| Net loans and leases to total assets | 66.3369% | 2,826 |
| Net loans and leases to deposits | 80.1532% | 2,693 |
| Net loans and leases to core deposits | 80.8816% | 3,202 |
| Total domestic deposits to total assets | 82.7627% | 4,160 |
| Equity capital to assets | 15.9063% | 551 |
| Core capital (leverage) ratio | 14.5731% | 689 |
| Tier 1 risk-based capital ratio | 20.4065% | 1,523 |
| Total risk-based capital ratio | 21.4405% | 1,533 |
| Memoranda: | ||
| Average total assets | $144,954,800 | 3,708 |
| Average earning assets | $132,363,200 | 3,713 |
| Average equity | $20,075,200 | 3,151 |
| Average total loans | $95,949,000 | 3,502 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7125% | 1,280 |
| Cost of funding earning assets | 0.6069% | 1,777 |
| Net interest margin | 4.1056% | 1,563 |
| Noninterest income to average assets | 4.6374% | 131 |
| Noninterest expense to average assets | 3.4035% | 1,652 |
| Loan and lease loss provision to assets | 0.3358% | 538 |
| Net operating income to assets | 2.9182% | 99 |
| Return on assets (ROA) | 2.9518% | 97 |
| Pretax return on assets | 4.6917% | 64 |
| Return on Equity (ROE) | 22.1369% | 183 |
| Retained earnings to average equity (ytd only) | 19.7078% | 71 |
| Net charge-offs to loans | 0.1116% | 2,682 |
| Credit loss provision to net charge-offs | 456.2500% | 623 |
| Earnings coverage of net charge-offs (x) | 67.5900% | 797 |
| Efficiency ratio | 40.6216% | 6,443 |
| Assets per employee ($millions) | 2.7579% | 6,021 |
| Cash dividends to net income (ytd only)* | 10.9725% | 3,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2256% | 4,103 |
| Loan loss allowance to noncurrent loans | 103.2371% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 1.1521% | 2,645 |
| Noncurrent loans to loans | 1.1871% | 2,681 |
| Net loans and leases to total assets | 65.0646% | 3,014 |
| Net loans and leases to deposits | 77.8537% | 2,967 |
| Net loans and leases to core deposits | 78.5508% | 3,488 |
| Total domestic deposits to total assets | 83.5729% | 3,927 |
| Equity capital to assets | 14.6346% | 825 |
| Core capital (leverage) ratio | 13.4579% | 1,014 |
| Tier 1 risk-based capital ratio | 18.8205% | 1,951 |
| Total risk-based capital ratio | 19.9824% | 1,943 |
| Memoranda: | ||
| Average total assets | $144,904,500 | 3,745 |
| Average earning assets | $132,044,000 | 3,749 |
| Average equity | $19,321,750 | 3,249 |
| Average total loans | $95,603,000 | 3,543 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7754% | 1,117 |
| Cost of funding earning assets | 0.6135% | 1,784 |
| Net interest margin | 4.1619% | 1,342 |
| Noninterest income to average assets | 4.4226% | 134 |
| Noninterest expense to average assets | 3.3831% | 1,718 |
| Loan and lease loss provision to assets | 0.5052% | 293 |
| Net operating income to assets | 2.7318% | 112 |
| Return on assets (ROA) | 2.7823% | 107 |
| Pretax return on assets | 4.3977% | 69 |
| Return on Equity (ROE) | 21.5758% | 215 |
| Retained earnings to average equity (ytd only) | 20.9854% | 71 |
| Net charge-offs to loans | 0.1678% | 2,052 |
| Credit loss provision to net charge-offs | 456.2500% | 624 |
| Earnings coverage of net charge-offs (x) | 43.5625% | 994 |
| Efficiency ratio | 41.2211% | 6,497 |
| Assets per employee ($millions) | 2.5998% | 6,205 |
| Cash dividends to net income (ytd only)* | 2.7363% | 3,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2264% | 4,297 |
| Loan loss allowance to noncurrent loans | 181.5385% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.8181% | 3,513 |
| Noncurrent loans to loans | 0.6756% | 4,025 |
| Net loans and leases to total assets | 65.2767% | 2,867 |
| Net loans and leases to deposits | 77.6087% | 2,848 |
| Net loans and leases to core deposits | 78.3000% | 3,402 |
| Total domestic deposits to total assets | 84.1100% | 3,891 |
| Equity capital to assets | 13.9222% | 1,002 |
| Core capital (leverage) ratio | 12.9312% | 1,179 |
| Tier 1 risk-based capital ratio | 17.9220% | 2,271 |
| Total risk-based capital ratio | 19.0826% | 2,271 |
| Memoranda: | ||
| Average total assets | $144,483,670 | 3,772 |
| Average earning assets | $131,383,000 | 3,775 |
| Average equity | $18,632,000 | 3,337 |
| Average total loans | $95,376,330 | 3,559 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7730% | 1,100 |
| Cost of funding earning assets | 0.6206% | 1,808 |
| Net interest margin | 4.1524% | 1,334 |
| Noninterest income to average assets | 4.3938% | 136 |
| Noninterest expense to average assets | 3.3877% | 1,735 |
| Loan and lease loss provision to assets | 0.4863% | 314 |
| Net operating income to assets | 2.8524% | 102 |
| Return on assets (ROA) | 2.9570% | 102 |
| Pretax return on assets | 4.4716% | 71 |
| Return on Equity (ROE) | 23.8920% | 151 |
| Retained earnings to average equity (ytd only) | 23.5552% | 69 |
| Net charge-offs to loans | 0.0421% | 2,794 |
| Credit loss provision to net charge-offs | 1,750.0000% | 193 |
| Earnings coverage of net charge-offs (x) | 172.7000% | 289 |
| Efficiency ratio | 41.3781% | 6,563 |
| Assets per employee ($millions) | 2.3351% | 6,455 |
| Cash dividends to net income (ytd only)* | 1.4098% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1184% | 5,037 |
| Loan loss allowance to noncurrent loans | 177.8523% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.8296% | 3,651 |
| Noncurrent loans to loans | 0.6289% | 4,294 |
| Net loans and leases to total assets | 64.7322% | 2,769 |
| Net loans and leases to deposits | 75.9430% | 2,818 |
| Net loans and leases to core deposits | 77.1573% | 3,286 |
| Total domestic deposits to total assets | 85.2378% | 3,752 |
| Equity capital to assets | 12.9152% | 1,345 |
| Core capital (leverage) ratio | 12.4354% | 1,415 |
| Tier 1 risk-based capital ratio | 17.1367% | 2,629 |
| Total risk-based capital ratio | 18.1863% | 2,674 |
| Memoranda: | ||
| Average total assets | $143,931,500 | 3,805 |
| Average earning assets | $131,489,500 | 3,808 |
| Average equity | $17,813,500 | 3,445 |
| Average total loans | $94,957,000 | 3,584 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0370% | 855 |
| Cost of funding earning assets | 0.8068% | 1,184 |
| Net interest margin | 4.2302% | 1,273 |
| Noninterest income to average assets | 2.7975% | 242 |
| Noninterest expense to average assets | 3.4666% | 1,736 |
| Loan and lease loss provision to assets | 0.1306% | 2,680 |
| Net operating income to assets | 2.2698% | 219 |
| Return on assets (ROA) | 2.2584% | 229 |
| Pretax return on assets | 3.0481% | 118 |
| Return on Equity (ROE) | 19.7175% | 298 |
| Retained earnings to average equity (ytd only) | 17.5979% | 111 |
| Net charge-offs to loans | 0.2652% | 2,374 |
| Credit loss provision to net charge-offs | 73.4127% | 3,218 |
| Earnings coverage of net charge-offs (x) | 17.9603% | 1,684 |
| Efficiency ratio | 52.0449% | 6,292 |
| Assets per employee ($millions) | 2.6998% | 6,220 |
| Cash dividends to net income (ytd only)* | 10.7500% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9407% | 5,788 |
| Loan loss allowance to noncurrent loans | 535.9281% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.5395% | 4,612 |
| Noncurrent loans to loans | 0.1755% | 5,676 |
| Net loans and leases to total assets | 65.8637% | 2,708 |
| Net loans and leases to deposits | 76.9808% | 2,855 |
| Net loans and leases to core deposits | 78.0261% | 3,362 |
| Total domestic deposits to total assets | 85.5585% | 3,480 |
| Equity capital to assets | 11.8312% | 1,920 |
| Core capital (leverage) ratio | 11.6532% | 1,855 |
| Tier 1 risk-based capital ratio | 15.8046% | 3,198 |
| Total risk-based capital ratio | 16.6756% | 3,367 |
| Memoranda: | ||
| Average total assets | $141,696,200 | 3,850 |
| Average earning assets | $129,401,400 | 3,858 |
| Average equity | $16,229,200 | 3,671 |
| Average total loans | $95,009,800 | 3,579 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0758% | 809 |
| Cost of funding earning assets | 0.8499% | 1,047 |
| Net interest margin | 4.2259% | 1,265 |
| Noninterest income to average assets | 2.4072% | 309 |
| Noninterest expense to average assets | 3.4656% | 1,684 |
| Loan and lease loss provision to assets | 0.1745% | 2,085 |
| Net operating income to assets | 1.9340% | 411 |
| Return on assets (ROA) | 1.9186% | 430 |
| Pretax return on assets | 2.6063% | 213 |
| Return on Equity (ROE) | 16.8923% | 550 |
| Retained earnings to average equity (ytd only) | 15.2646% | 187 |
| Net charge-offs to loans | 0.3397% | 1,848 |
| Credit loss provision to net charge-offs | 76.4463% | 2,935 |
| Earnings coverage of net charge-offs (x) | 12.2727% | 2,152 |
| Efficiency ratio | 55.2980% | 5,993 |
| Assets per employee ($millions) | 2.6437% | 6,336 |
| Cash dividends to net income (ytd only)* | 9.6363% | 3,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9869% | 5,780 |
| Loan loss allowance to noncurrent loans | 554.6012% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.5380% | 4,837 |
| Noncurrent loans to loans | 0.1780% | 5,797 |
| Net loans and leases to total assets | 63.5267% | 3,074 |
| Net loans and leases to deposits | 73.5712% | 3,303 |
| Net loans and leases to core deposits | 74.5608% | 3,780 |
| Total domestic deposits to total assets | 86.3472% | 3,048 |
| Equity capital to assets | 11.3048% | 2,468 |
| Core capital (leverage) ratio | 11.0927% | 2,392 |
| Tier 1 risk-based capital ratio | 15.2545% | 3,591 |
| Total risk-based capital ratio | 16.1597% | 3,760 |
| Memoranda: | ||
| Average total assets | $141,348,250 | 3,895 |
| Average earning assets | $129,106,250 | 3,904 |
| Average equity | $16,054,250 | 3,734 |
| Average total loans | $94,977,750 | 3,601 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0776% | 804 |
| Cost of funding earning assets | 0.8903% | 946 |
| Net interest margin | 4.1873% | 1,307 |
| Noninterest income to average assets | 2.4646% | 325 |
| Noninterest expense to average assets | 3.6102% | 1,398 |
| Loan and lease loss provision to assets | 0.1420% | 2,558 |
| Net operating income to assets | 1.7507% | 572 |
| Return on assets (ROA) | 1.7292% | 647 |
| Pretax return on assets | 2.5072% | 269 |
| Return on Equity (ROE) | 15.2003% | 771 |
| Retained earnings to average equity (ytd only) | 13.4906% | 337 |
| Net charge-offs to loans | 0.3892% | 1,662 |
| Credit loss provision to net charge-offs | 53.4759% | 3,149 |
| Earnings coverage of net charge-offs (x) | 10.0963% | 2,194 |
| Efficiency ratio | 57.3911% | 5,813 |
| Assets per employee ($millions) | 2.5611% | 6,439 |
| Cash dividends to net income (ytd only)* | 11.2479% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9218% | 6,072 |
| Loan loss allowance to noncurrent loans | 199.7717% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.7258% | 4,407 |
| Noncurrent loans to loans | 0.4614% | 5,111 |
| Net loans and leases to total assets | 65.5713% | 2,668 |
| Net loans and leases to deposits | 75.7865% | 2,906 |
| Net loans and leases to core deposits | 77.7180% | 3,332 |
| Total domestic deposits to total assets | 86.5211% | 3,106 |
| Equity capital to assets | 10.7374% | 3,012 |
| Core capital (leverage) ratio | 10.3969% | 2,989 |
| Tier 1 risk-based capital ratio | 12.1438% | 5,715 |
| Total risk-based capital ratio | 12.8776% | 5,991 |
| Memoranda: | ||
| Average total assets | $140,877,000 | 3,928 |
| Average earning assets | $128,722,670 | 3,929 |
| Average equity | $16,026,000 | 3,768 |
| Average total loans | $96,105,000 | 3,587 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1240% | 709 |
| Cost of funding earning assets | 0.9251% | 875 |
| Net interest margin | 4.1990% | 1,184 |
| Noninterest income to average assets | 2.6102% | 302 |
| Noninterest expense to average assets | 3.5558% | 1,505 |
| Loan and lease loss provision to assets | 0.2865% | 1,229 |
| Net operating income to assets | 1.7593% | 508 |
| Return on assets (ROA) | 1.7593% | 565 |
| Pretax return on assets | 2.6045% | 230 |
| Return on Equity (ROE) | 15.0315% | 762 |
| Retained earnings to average equity (ytd only) | 13.1709% | 533 |
| Net charge-offs to loans | -0.0165% | 5,630 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1556% | 6,140 |
| Assets per employee ($millions) | 2.5694% | 6,519 |
| Cash dividends to net income (ytd only)* | 12.3779% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0986% | 5,614 |
| Loan loss allowance to noncurrent loans | 253.8095% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.7465% | 4,505 |
| Noncurrent loans to loans | 0.4328% | 5,338 |
| Net loans and leases to total assets | 67.9119% | 2,029 |
| Net loans and leases to deposits | 78.7978% | 2,241 |
| Net loans and leases to core deposits | 80.8415% | 2,713 |
| Total domestic deposits to total assets | 86.1850% | 3,428 |
| Equity capital to assets | 11.6801% | 2,271 |
| Core capital (leverage) ratio | 10.2597% | 3,063 |
| Tier 1 risk-based capital ratio | 11.6994% | 6,084 |
| Total risk-based capital ratio | 12.5921% | 6,237 |
| Memoranda: | ||
| Average total assets | $139,603,500 | 3,996 |
| Average earning assets | $127,555,500 | 3,990 |
| Average equity | $16,339,000 | 3,759 |
| Average total loans | $96,697,500 | 3,601 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5590% | 555 |
| Cost of funding earning assets | 1.0866% | 952 |
| Net interest margin | 4.4724% | 994 |
| Noninterest income to average assets | 1.7311% | 545 |
| Noninterest expense to average assets | 3.2886% | 2,375 |
| Loan and lease loss provision to assets | 0.0670% | 4,915 |
| Net operating income to assets | 1.7397% | 568 |
| Return on assets (ROA) | 1.9076% | 472 |
| Pretax return on assets | 2.6554% | 206 |
| Return on Equity (ROE) | 16.8036% | 562 |
| Retained earnings to average equity (ytd only) | 11.1543% | 425 |
| Net charge-offs to loans | 0.1034% | 4,635 |
| Credit loss provision to net charge-offs | 90.0000% | 3,476 |
| Earnings coverage of net charge-offs (x) | 33.4200% | 930 |
| Efficiency ratio | 56.9163% | 5,962 |
| Assets per employee ($millions) | 2.5071% | 6,611 |
| Cash dividends to net income (ytd only)* | 33.6197% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9984% | 5,976 |
| Loan loss allowance to noncurrent loans | 210.5033% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.9036% | 4,237 |
| Noncurrent loans to loans | 0.4743% | 5,337 |
| Net loans and leases to total assets | 69.1827% | 2,002 |
| Net loans and leases to deposits | 80.3112% | 2,240 |
| Net loans and leases to core deposits | 82.2691% | 2,744 |
| Total domestic deposits to total assets | 86.1433% | 3,277 |
| Equity capital to assets | 11.7282% | 2,242 |
| Core capital (leverage) ratio | 10.0237% | 3,364 |
| Tier 1 risk-based capital ratio | 13.8893% | 4,460 |
| Total risk-based capital ratio | 14.8846% | 4,596 |
| Memoranda: | ||
| Average total assets | $134,253,200 | 4,055 |
| Average earning assets | $121,477,800 | 4,079 |
| Average equity | $15,240,800 | 3,905 |
| Average total loans | $96,691,800 | 3,602 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6282% | 533 |
| Cost of funding earning assets | 1.1243% | 965 |
| Net interest margin | 4.5039% | 982 |
| Noninterest income to average assets | 1.7108% | 533 |
| Noninterest expense to average assets | 3.3276% | 2,190 |
| Loan and lease loss provision to assets | 0.0600% | 4,972 |
| Net operating income to assets | 1.7787% | 593 |
| Return on assets (ROA) | 1.8808% | 557 |
| Pretax return on assets | 2.5267% | 277 |
| Return on Equity (ROE) | 16.7107% | 638 |
| Retained earnings to average equity (ytd only) | 11.4958% | 613 |
| Net charge-offs to loans | 0.1116% | 4,272 |
| Credit loss provision to net charge-offs | 74.0741% | 3,793 |
| Earnings coverage of net charge-offs (x) | 30.2338% | 1,093 |
| Efficiency ratio | 57.6078% | 5,843 |
| Assets per employee ($millions) | 2.7434% | 6,439 |
| Cash dividends to net income (ytd only)* | 31.2069% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9918% | 6,116 |
| Loan loss allowance to noncurrent loans | 169.9463% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 1.1074% | 4,086 |
| Noncurrent loans to loans | 0.5836% | 5,272 |
| Net loans and leases to total assets | 69.1387% | 2,082 |
| Net loans and leases to deposits | 80.1499% | 2,365 |
| Net loans and leases to core deposits | 82.3327% | 2,914 |
| Total domestic deposits to total assets | 86.2618% | 3,111 |
| Equity capital to assets | 11.5126% | 2,728 |
| Core capital (leverage) ratio | 9.7040% | 3,952 |
| Tier 1 risk-based capital ratio | 11.4386% | 6,261 |
| Total risk-based capital ratio | 12.2771% | 6,445 |
| Memoranda: | ||
| Average total assets | $133,344,000 | 4,111 |
| Average earning assets | $120,367,750 | 4,147 |
| Average equity | $15,008,000 | 4,001 |
| Average total loans | $96,775,250 | 3,640 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7058% | 480 |
| Cost of funding earning assets | 1.1459% | 1,045 |
| Net interest margin | 4.5599% | 890 |
| Noninterest income to average assets | 1.7006% | 524 |
| Noninterest expense to average assets | 3.3574% | 2,135 |
| Loan and lease loss provision to assets | 0.0909% | 4,431 |
| Net operating income to assets | 1.8505% | 510 |
| Return on assets (ROA) | 2.0156% | 441 |
| Pretax return on assets | 2.5653% | 277 |
| Return on Equity (ROE) | 18.0515% | 502 |
| Retained earnings to average equity (ytd only) | 10.0904% | 952 |
| Net charge-offs to loans | -0.0041% | 6,141 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8398% | 5,894 |
| Assets per employee ($millions) | 2.7670% | 6,452 |
| Cash dividends to net income (ytd only)* | 44.1022% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0421% | 5,997 |
| Loan loss allowance to noncurrent loans | 134.6354% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 1.1845% | 4,040 |
| Noncurrent loans to loans | 0.7740% | 4,960 |
| Net loans and leases to total assets | 72.4182% | 1,486 |
| Net loans and leases to deposits | 84.3044% | 1,815 |
| Net loans and leases to core deposits | 86.3014% | 2,392 |
| Total domestic deposits to total assets | 85.9008% | 3,403 |
| Equity capital to assets | 11.1586% | 2,944 |
| Core capital (leverage) ratio | 9.5278% | 4,108 |
| Tier 1 risk-based capital ratio | 12.1307% | 5,844 |
| Total risk-based capital ratio | 13.1412% | 5,969 |
| Memoranda: | ||
| Average total assets | $132,068,000 | 4,159 |
| Average earning assets | $118,862,000 | 4,205 |
| Average equity | $14,746,670 | 4,047 |
| Average total loans | $97,104,000 | 3,645 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7523% | 466 |
| Cost of funding earning assets | 1.1642% | 1,131 |
| Net interest margin | 4.5882% | 840 |
| Noninterest income to average assets | 1.7251% | 507 |
| Noninterest expense to average assets | 3.2568% | 2,423 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.5673% | 162 |
| Return on assets (ROA) | 2.9867% | 126 |
| Pretax return on assets | 3.0051% | 185 |
| Return on Equity (ROE) | 26.7390% | 142 |
| Retained earnings to average equity (ytd only) | 20.6932% | 168 |
| Net charge-offs to loans | -0.0125% | 6,016 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7834% | 6,148 |
| Assets per employee ($millions) | 2.7523% | 6,575 |
| Cash dividends to net income (ytd only)* | 22.6105% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 6,271 |
| Loan loss allowance to noncurrent loans | 93.0344% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 1.3088% | 3,938 |
| Noncurrent loans to loans | 1.0691% | 4,566 |
| Net loans and leases to total assets | 73.4608% | 1,141 |
| Net loans and leases to deposits | 85.7611% | 1,447 |
| Net loans and leases to core deposits | 87.1270% | 2,160 |
| Total domestic deposits to total assets | 85.6574% | 3,711 |
| Equity capital to assets | 11.3443% | 2,582 |
| Core capital (leverage) ratio | 9.5697% | 3,958 |
| Tier 1 risk-based capital ratio | 11.9376% | 6,002 |
| Total risk-based capital ratio | 12.9112% | 6,164 |
| Memoranda: | ||
| Average total assets | $130,311,000 | 4,224 |
| Average earning assets | $116,822,500 | 4,277 |
| Average equity | $14,555,500 | 4,080 |
| Average total loans | $96,046,000 | 3,687 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0179% | 421 |
| Cost of funding earning assets | 1.3364% | 1,312 |
| Net interest margin | 4.6815% | 780 |
| Noninterest income to average assets | 1.4769% | 596 |
| Noninterest expense to average assets | 3.6230% | 1,696 |
| Loan and lease loss provision to assets | 0.6894% | 1,486 |
| Net operating income to assets | 1.2969% | 1,258 |
| Return on assets (ROA) | 1.3788% | 1,156 |
| Pretax return on assets | 1.3983% | 1,797 |
| Return on Equity (ROE) | 13.1321% | 1,134 |
| Retained earnings to average equity (ytd only) | 13.1321% | 215 |
| Net charge-offs to loans | 1.2022% | 1,395 |
| Credit loss provision to net charge-offs | 76.8535% | 4,604 |
| Earnings coverage of net charge-offs (x) | 2.2351% | 4,110 |
| Efficiency ratio | 64.3753% | 5,061 |
| Assets per employee ($millions) | 2.5702% | 6,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 6,057 |
| Loan loss allowance to noncurrent loans | 126.7275% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 1.1260% | 4,354 |
| Noncurrent loans to loans | 0.8154% | 5,060 |
| Net loans and leases to total assets | 72.4415% | 1,568 |
| Net loans and leases to deposits | 87.0512% | 1,515 |
| Net loans and leases to core deposits | 88.7288% | 2,293 |
| Total domestic deposits to total assets | 83.2171% | 4,660 |
| Equity capital to assets | 10.9904% | 2,989 |
| Core capital (leverage) ratio | 9.1714% | 4,514 |
| Tier 1 risk-based capital ratio | 11.5689% | 6,120 |
| Total risk-based capital ratio | 12.5724% | 6,261 |
| Memoranda: | ||
| Average total assets | $123,295,600 | 4,308 |
| Average earning assets | $109,324,000 | 4,412 |
| Average equity | $12,945,400 | 4,347 |
| Average total loans | $92,000,800 | 3,811 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0420% | 423 |
| Cost of funding earning assets | 1.3820% | 1,312 |
| Net interest margin | 4.6599% | 831 |
| Noninterest income to average assets | 1.6023% | 516 |
| Noninterest expense to average assets | 3.6537% | 1,592 |
| Loan and lease loss provision to assets | 0.8634% | 1,055 |
| Net operating income to assets | 1.1881% | 1,683 |
| Return on assets (ROA) | 1.2973% | 1,477 |
| Pretax return on assets | 1.3203% | 2,217 |
| Return on Equity (ROE) | 12.5102% | 1,410 |
| Retained earnings to average equity (ytd only) | 12.5102% | 433 |
| Net charge-offs to loans | 1.6119% | 877 |
| Credit loss provision to net charge-offs | 71.4286% | 4,431 |
| Earnings coverage of net charge-offs (x) | 1.7143% | 4,367 |
| Efficiency ratio | 63.8099% | 5,110 |
| Assets per employee ($millions) | 2.6802% | 6,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 6,233 |
| Loan loss allowance to noncurrent loans | 80.4943% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 1.9616% | 3,191 |
| Noncurrent loans to loans | 1.2495% | 4,450 |
| Net loans and leases to total assets | 71.2570% | 1,855 |
| Net loans and leases to deposits | 83.6363% | 2,056 |
| Net loans and leases to core deposits | 84.8355% | 2,938 |
| Total domestic deposits to total assets | 85.1986% | 3,677 |
| Equity capital to assets | 10.7837% | 3,384 |
| Core capital (leverage) ratio | 8.8091% | 5,249 |
| Tier 1 risk-based capital ratio | 11.7816% | 6,049 |
| Total risk-based capital ratio | 12.7913% | 6,207 |
| Memoranda: | ||
| Average total assets | $121,991,500 | 4,361 |
| Average earning assets | $107,952,750 | 4,479 |
| Average equity | $12,650,750 | 4,419 |
| Average total loans | $91,484,000 | 3,854 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0377% | 447 |
| Cost of funding earning assets | 1.4265% | 1,302 |
| Net interest margin | 4.6112% | 890 |
| Noninterest income to average assets | 1.6890% | 471 |
| Noninterest expense to average assets | 3.7011% | 1,523 |
| Loan and lease loss provision to assets | 0.7127% | 1,319 |
| Net operating income to assets | 1.3227% | 1,261 |
| Return on assets (ROA) | 1.3227% | 1,338 |
| Pretax return on assets | 1.3525% | 1,948 |
| Return on Equity (ROE) | 12.9339% | 1,217 |
| Retained earnings to average equity (ytd only) | 12.9339% | 395 |
| Net charge-offs to loans | 0.0632% | 5,012 |
| Credit loss provision to net charge-offs | 1,482.7586% | 240 |
| Earnings coverage of net charge-offs (x) | 42.9655% | 710 |
| Efficiency ratio | 64.1851% | 5,207 |
| Assets per employee ($millions) | 2.6158% | 6,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7439% | 3,176 |
| Loan loss allowance to noncurrent loans | 35.4811% | 5,937 |
| Noncurrent assets plus other real estate owned to assets | 4.8551% | 1,272 |
| Noncurrent loans to loans | 4.9149% | 1,339 |
| Net loans and leases to total assets | 74.7019% | 1,285 |
| Net loans and leases to deposits | 87.6620% | 1,546 |
| Net loans and leases to core deposits | 88.3060% | 2,600 |
| Total domestic deposits to total assets | 85.2158% | 3,778 |
| Equity capital to assets | 10.5830% | 3,399 |
| Core capital (leverage) ratio | 8.6874% | 5,242 |
| Tier 1 risk-based capital ratio | 11.1233% | 6,430 |
| Total risk-based capital ratio | 12.3799% | 6,423 |
| Memoranda: | ||
| Average total assets | $120,666,000 | 4,433 |
| Average earning assets | $106,696,330 | 4,541 |
| Average equity | $12,339,670 | 4,467 |
| Average total loans | $91,754,330 | 3,894 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0420% | 438 |
| Cost of funding earning assets | 1.4746% | 1,272 |
| Net interest margin | 4.5674% | 921 |
| Noninterest income to average assets | 1.7904% | 426 |
| Noninterest expense to average assets | 3.7313% | 1,474 |
| Loan and lease loss provision to assets | 1.1378% | 631 |
| Net operating income to assets | 0.9236% | 2,467 |
| Return on assets (ROA) | 0.9236% | 2,525 |
| Pretax return on assets | 0.9638% | 3,269 |
| Return on Equity (ROE) | 9.1969% | 2,388 |
| Retained earnings to average equity (ytd only) | 9.1969% | 1,321 |
| Net charge-offs to loans | 0.0792% | 4,146 |
| Credit loss provision to net charge-offs | 1,888.8889% | 211 |
| Earnings coverage of net charge-offs (x) | 34.8889% | 745 |
| Efficiency ratio | 63.9702% | 5,367 |
| Assets per employee ($millions) | 2.6790% | 6,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6883% | 3,377 |
| Loan loss allowance to noncurrent loans | 43.1034% | 5,430 |
| Noncurrent assets plus other real estate owned to assets | 3.9990% | 1,669 |
| Noncurrent loans to loans | 3.9167% | 1,873 |
| Net loans and leases to total assets | 74.8706% | 1,207 |
| Net loans and leases to deposits | 86.6395% | 1,631 |
| Net loans and leases to core deposits | 89.3160% | 2,440 |
| Total domestic deposits to total assets | 86.4163% | 3,282 |
| Equity capital to assets | 10.1198% | 3,628 |
| Core capital (leverage) ratio | 8.3217% | 5,771 |
| Tier 1 risk-based capital ratio | 10.5687% | 6,770 |
| Total risk-based capital ratio | 11.8244% | 6,754 |
| Memoranda: | ||
| Average total assets | $119,528,000 | 4,496 |
| Average earning assets | $105,792,500 | 4,596 |
| Average equity | $12,004,000 | 4,550 |
| Average total loans | $90,896,500 | 3,951 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3092% | 453 |
| Cost of funding earning assets | 2.0333% | 536 |
| Net interest margin | 4.2759% | 1,901 |
| Noninterest income to average assets | 0.5707% | 3,671 |
| Noninterest expense to average assets | 3.5767% | 1,984 |
| Loan and lease loss provision to assets | 0.4363% | 3,502 |
| Net operating income to assets | 0.2520% | 5,104 |
| Return on assets (ROA) | 0.2520% | 5,256 |
| Pretax return on assets | 0.2520% | 5,351 |
| Return on Equity (ROE) | 2.4453% | 5,208 |
| Retained earnings to average equity (ytd only) | 2.4453% | 4,167 |
| Net charge-offs to loans | 0.2267% | 4,926 |
| Credit loss provision to net charge-offs | 247.2637% | 1,158 |
| Earnings coverage of net charge-offs (x) | 3.9005% | 3,138 |
| Efficiency ratio | 83.8617% | 1,937 |
| Assets per employee ($millions) | 2.5213% | 6,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3647% | 4,676 |
| Loan loss allowance to noncurrent loans | 29.5334% | 6,320 |
| Noncurrent assets plus other real estate owned to assets | 4.9890% | 1,285 |
| Noncurrent loans to loans | 4.6209% | 1,516 |
| Net loans and leases to total assets | 74.8979% | 1,494 |
| Net loans and leases to deposits | 87.6263% | 1,845 |
| Net loans and leases to core deposits | 89.8875% | 2,786 |
| Total domestic deposits to total assets | 85.4743% | 3,616 |
| Equity capital to assets | 9.9646% | 3,787 |
| Core capital (leverage) ratio | 8.1387% | 5,930 |
| Tier 1 risk-based capital ratio | 10.3760% | 6,779 |
| Total risk-based capital ratio | 11.6270% | 6,760 |
| Memoranda: | ||
| Average total assets | $113,903,000 | 4,615 |
| Average earning assets | $98,412,200 | 4,758 |
| Average equity | $11,736,800 | 4,683 |
| Average total loans | $88,644,400 | 4,088 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3590% | 450 |
| Cost of funding earning assets | 2.1568% | 438 |
| Net interest margin | 4.2022% | 2,206 |
| Noninterest income to average assets | 0.9070% | 1,775 |
| Noninterest expense to average assets | 3.6610% | 1,649 |
| Loan and lease loss provision to assets | 0.4931% | 3,000 |
| Net operating income to assets | 0.3654% | 4,909 |
| Return on assets (ROA) | 0.3654% | 5,087 |
| Pretax return on assets | 0.3654% | 5,328 |
| Return on Equity (ROE) | 3.5156% | 4,998 |
| Retained earnings to average equity (ytd only) | 3.5156% | 3,981 |
| Net charge-offs to loans | 0.3020% | 4,159 |
| Credit loss provision to net charge-offs | 208.5000% | 1,691 |
| Earnings coverage of net charge-offs (x) | 3.6300% | 3,363 |
| Efficiency ratio | 81.0047% | 2,207 |
| Assets per employee ($millions) | 2.6336% | 6,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 5,179 |
| Loan loss allowance to noncurrent loans | 36.4415% | 5,906 |
| Noncurrent assets plus other real estate owned to assets | 4.9007% | 1,327 |
| Noncurrent loans to loans | 3.4513% | 2,306 |
| Net loans and leases to total assets | 76.1167% | 1,389 |
| Net loans and leases to deposits | 89.8836% | 1,741 |
| Net loans and leases to core deposits | 92.2156% | 2,771 |
| Total domestic deposits to total assets | 84.6837% | 3,780 |
| Equity capital to assets | 10.4224% | 3,612 |
| Core capital (leverage) ratio | 8.0245% | 6,314 |
| Tier 1 risk-based capital ratio | 10.4934% | 6,783 |
| Total risk-based capital ratio | 11.7423% | 6,772 |
| Memoranda: | ||
| Average total assets | $112,753,750 | 4,700 |
| Average earning assets | $96,930,750 | 4,866 |
| Average equity | $11,719,000 | 4,759 |
| Average total loans | $88,310,000 | 4,162 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3518% | 461 |
| Cost of funding earning assets | 2.2445% | 405 |
| Net interest margin | 4.1072% | 2,525 |
| Noninterest income to average assets | 0.8824% | 1,749 |
| Noninterest expense to average assets | 3.6090% | 1,757 |
| Loan and lease loss provision to assets | 0.1949% | 4,931 |
| Net operating income to assets | 0.5919% | 3,914 |
| Return on assets (ROA) | 0.5919% | 4,053 |
| Pretax return on assets | 0.5919% | 4,589 |
| Return on Equity (ROE) | 5.7004% | 3,940 |
| Retained earnings to average equity (ytd only) | 5.7004% | 2,495 |
| Net charge-offs to loans | 0.0504% | 5,682 |
| Credit loss provision to net charge-offs | 490.9091% | 756 |
| Earnings coverage of net charge-offs (x) | 19.8182% | 1,243 |
| Efficiency ratio | 82.1018% | 2,152 |
| Assets per employee ($millions) | 2.8342% | 6,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1012% | 5,933 |
| Loan loss allowance to noncurrent loans | 70.5964% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 3.8241% | 1,816 |
| Noncurrent loans to loans | 1.5598% | 4,376 |
| Net loans and leases to total assets | 76.8087% | 1,328 |
| Net loans and leases to deposits | 93.7292% | 1,314 |
| Net loans and leases to core deposits | 96.2330% | 2,417 |
| Total domestic deposits to total assets | 81.9475% | 5,006 |
| Equity capital to assets | 10.3649% | 3,565 |
| Core capital (leverage) ratio | 8.4195% | 5,544 |
| Tier 1 risk-based capital ratio | 10.5213% | 6,668 |
| Total risk-based capital ratio | 11.6567% | 6,745 |
| Memoranda: | ||
| Average total assets | $110,833,670 | 4,778 |
| Average earning assets | $94,808,000 | 4,967 |
| Average equity | $11,508,000 | 4,802 |
| Average total loans | $87,294,000 | 4,217 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3537% | 482 |
| Cost of funding earning assets | 2.2751% | 461 |
| Net interest margin | 4.0785% | 2,535 |
| Noninterest income to average assets | 1.1318% | 973 |
| Noninterest expense to average assets | 3.7065% | 1,504 |
| Loan and lease loss provision to assets | 0.1424% | 5,125 |
| Net operating income to assets | 0.7495% | 3,215 |
| Return on assets (ROA) | 0.7495% | 3,319 |
| Pretax return on assets | 0.7495% | 4,066 |
| Return on Equity (ROE) | 7.2118% | 3,240 |
| Retained earnings to average equity (ytd only) | 7.2118% | 2,043 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6031% | 2,474 |
| Assets per employee ($millions) | 2.7078% | 6,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1178% | 5,928 |
| Loan loss allowance to noncurrent loans | 64.2810% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 3.9219% | 1,763 |
| Noncurrent loans to loans | 1.7390% | 4,141 |
| Net loans and leases to total assets | 77.2884% | 1,283 |
| Net loans and leases to deposits | 94.7807% | 1,258 |
| Net loans and leases to core deposits | 97.5012% | 2,395 |
| Total domestic deposits to total assets | 81.5444% | 5,251 |
| Equity capital to assets | 10.2713% | 3,508 |
| Core capital (leverage) ratio | 8.3288% | 5,691 |
| Tier 1 risk-based capital ratio | 10.0284% | 7,011 |
| Total risk-based capital ratio | 11.1708% | 7,068 |
| Memoranda: | ||
| Average total assets | $106,732,500 | 4,960 |
| Average earning assets | $90,719,500 | 5,145 |
| Average equity | $11,093,000 | 4,957 |
| Average total loans | $84,717,000 | 4,359 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3987% | 833 |
| Cost of funding earning assets | 2.7076% | 572 |
| Net interest margin | 3.6911% | 4,182 |
| Noninterest income to average assets | 0.7838% | 2,487 |
| Noninterest expense to average assets | 3.7513% | 1,793 |
| Loan and lease loss provision to assets | 0.0518% | 7,048 |
| Net operating income to assets | 0.0973% | 5,222 |
| Return on assets (ROA) | 0.1087% | 5,237 |
| Pretax return on assets | 0.1087% | 5,200 |
| Return on Equity (ROE) | 0.9990% | 5,233 |
| Retained earnings to average equity (ytd only) | 0.9990% | 4,334 |
| Net charge-offs to loans | 0.9920% | 2,427 |
| Credit loss provision to net charge-offs | 6.6934% | 6,987 |
| Earnings coverage of net charge-offs (x) | 0.1928% | 5,951 |
| Efficiency ratio | 96.1773% | 1,306 |
| Assets per employee ($millions) | 2.6268% | 6,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1275% | 5,763 |
| Loan loss allowance to noncurrent loans | 70.1807% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 4.6639% | 1,369 |
| Noncurrent loans to loans | 1.6066% | 4,249 |
| Net loans and leases to total assets | 79.7759% | 1,035 |
| Net loans and leases to deposits | 101.2801% | 800 |
| Net loans and leases to core deposits | 121.1431% | 1,869 |
| Total domestic deposits to total assets | 78.7676% | 6,039 |
| Equity capital to assets | 10.5254% | 3,149 |
| Core capital (leverage) ratio | 8.1559% | 5,895 |
| Tier 1 risk-based capital ratio | 10.0512% | 6,825 |
| Total risk-based capital ratio | 11.2312% | 6,861 |
| Memoranda: | ||
| Average total assets | $96,580,400 | 5,179 |
| Average earning assets | $81,548,000 | 5,406 |
| Average equity | $10,510,600 | 5,161 |
| Average total loans | $75,298,800 | 4,675 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2886% | 1,158 |
| Cost of funding earning assets | 2.8012% | 594 |
| Net interest margin | 3.4874% | 4,910 |
| Noninterest income to average assets | 0.7261% | 2,844 |
| Noninterest expense to average assets | 3.6643% | 1,904 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.0112% | 5,686 |
| Return on assets (ROA) | 0.0112% | 5,740 |
| Pretax return on assets | 0.0112% | 5,681 |
| Return on Equity (ROE) | 0.1022% | 5,745 |
| Retained earnings to average equity (ytd only) | 0.1022% | 5,160 |
| Net charge-offs to loans | 1.2959% | 1,585 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 0.0112% | 6,051 |
| Efficiency ratio | 99.6949% | 1,074 |
| Assets per employee ($millions) | 2.2540% | 7,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 5,293 |
| Loan loss allowance to noncurrent loans | 36.5377% | 5,964 |
| Noncurrent assets plus other real estate owned to assets | 5.3855% | 1,071 |
| Noncurrent loans to loans | 3.2056% | 2,363 |
| Net loans and leases to total assets | 77.9357% | 1,588 |
| Net loans and leases to deposits | 99.0694% | 1,207 |
| Net loans and leases to core deposits | 121.3528% | 2,132 |
| Total domestic deposits to total assets | 78.6678% | 5,908 |
| Equity capital to assets | 10.6792% | 3,313 |
| Core capital (leverage) ratio | 8.1276% | 6,139 |
| Tier 1 risk-based capital ratio | 10.4026% | 6,569 |
| Total risk-based capital ratio | 11.6369% | 6,525 |
| Memoranda: | ||
| Average total assets | $95,113,750 | 5,265 |
| Average earning assets | $80,439,500 | 5,481 |
| Average equity | $10,442,500 | 5,223 |
| Average total loans | $73,458,500 | 4,793 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2418% | 1,353 |
| Cost of funding earning assets | 2.8806% | 636 |
| Net interest margin | 3.3611% | 5,315 |
| Noninterest income to average assets | 0.7487% | 2,711 |
| Noninterest expense to average assets | 3.5217% | 2,276 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.0619% | 5,675 |
| Return on assets (ROA) | 0.0619% | 5,763 |
| Pretax return on assets | 0.0619% | 5,760 |
| Return on Equity (ROE) | 0.5581% | 5,769 |
| Retained earnings to average equity (ytd only) | 0.5581% | 4,974 |
| Net charge-offs to loans | 1.5304% | 1,240 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 0.0527% | 5,621 |
| Efficiency ratio | 98.2738% | 1,257 |
| Assets per employee ($millions) | 2.7940% | 6,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4482% | 3,475 |
| Loan loss allowance to noncurrent loans | 45.3782% | 5,335 |
| Noncurrent assets plus other real estate owned to assets | 5.2408% | 978 |
| Noncurrent loans to loans | 3.1915% | 2,236 |
| Net loans and leases to total assets | 75.1531% | 2,401 |
| Net loans and leases to deposits | 99.6286% | 1,325 |
| Net loans and leases to core deposits | 129.4985% | 1,612 |
| Total domestic deposits to total assets | 75.4333% | 6,675 |
| Equity capital to assets | 10.6492% | 3,251 |
| Core capital (leverage) ratio | 8.3016% | 5,795 |
| Tier 1 risk-based capital ratio | 10.6734% | 6,212 |
| Total risk-based capital ratio | 11.9269% | 6,141 |
| Memoranda: | ||
| Average total assets | $93,760,330 | 5,354 |
| Average earning assets | $79,080,330 | 5,563 |
| Average equity | $10,393,000 | 5,251 |
| Average total loans | $71,875,330 | 4,890 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2552% | 1,427 |
| Cost of funding earning assets | 2.9281% | 721 |
| Net interest margin | 3.3271% | 5,412 |
| Noninterest income to average assets | 0.8371% | 2,141 |
| Noninterest expense to average assets | 3.2874% | 2,693 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3488% | 5,075 |
| Return on assets (ROA) | 0.3488% | 5,257 |
| Pretax return on assets | 0.3488% | 5,535 |
| Return on Equity (ROE) | 3.0821% | 5,338 |
| Retained earnings to average equity (ytd only) | 3.0821% | 4,160 |
| Net charge-offs to loans | 2.4161% | 596 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.1878% | 4,832 |
| Efficiency ratio | 90.4077% | 1,689 |
| Assets per employee ($millions) | 2.3459% | 7,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6963% | 2,162 |
| Loan loss allowance to noncurrent loans | 42.6293% | 5,696 |
| Noncurrent assets plus other real estate owned to assets | 5.7187% | 721 |
| Noncurrent loans to loans | 3.9791% | 1,516 |
| Net loans and leases to total assets | 76.2018% | 2,227 |
| Net loans and leases to deposits | 103.3595% | 1,062 |
| Net loans and leases to core deposits | 135.7603% | 1,321 |
| Total domestic deposits to total assets | 73.7250% | 6,928 |
| Equity capital to assets | 11.3870% | 2,664 |
| Core capital (leverage) ratio | 8.6802% | 5,185 |
| Tier 1 risk-based capital ratio | 11.3831% | 5,521 |
| Total risk-based capital ratio | 12.6397% | 5,414 |
| Memoranda: | ||
| Average total assets | $91,745,000 | 5,433 |
| Average earning assets | $77,184,000 | 5,647 |
| Average equity | $10,382,500 | 5,268 |
| Average total loans | $70,526,500 | 4,965 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5517% | 2,709 |
| Cost of funding earning assets | 3.5976% | 394 |
| Net interest margin | 2.9540% | 7,017 |
| Noninterest income to average assets | 2.4766% | 256 |
| Noninterest expense to average assets | 4.0084% | 1,410 |
| Loan and lease loss provision to assets | 1.4091% | 980 |
| Net operating income to assets | -1.0123% | 7,258 |
| Return on assets (ROA) | -1.0256% | 7,181 |
| Pretax return on assets | -0.4785% | 6,634 |
| Return on Equity (ROE) | -9.4613% | 7,240 |
| Retained earnings to average equity (ytd only) | -9.4613% | 7,026 |
| Net charge-offs to loans | 1.6501% | 678 |
| Credit loss provision to net charge-offs | 111.2565% | 4,845 |
| Earnings coverage of net charge-offs (x) | 0.7452% | 5,776 |
| Efficiency ratio | 80.9418% | 2,459 |
| Assets per employee ($millions) | 2.3000% | 7,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3227% | 829 |
| Loan loss allowance to noncurrent loans | 42.5437% | 5,891 |
| Noncurrent assets plus other real estate owned to assets | 6.2152% | 462 |
| Noncurrent loans to loans | 5.4596% | 755 |
| Net loans and leases to total assets | 74.4609% | 2,998 |
| Net loans and leases to deposits | 104.6150% | 1,278 |
| Net loans and leases to core deposits | 142.5563% | 1,148 |
| Total domestic deposits to total assets | 71.1761% | 7,137 |
| Equity capital to assets | 11.2467% | 2,846 |
| Core capital (leverage) ratio | 8.5535% | 5,477 |
| Tier 1 risk-based capital ratio | 10.9204% | 5,797 |
| Total risk-based capital ratio | 12.1838% | 5,701 |
| Memoranda: | ||
| Average total assets | $90,485,800 | 5,339 |
| Average earning assets | $75,828,200 | 5,595 |
| Average equity | $9,808,400 | 5,473 |
| Average total loans | $69,450,200 | 4,893 |